The default option is the no-fault option. Nobody - not your banker, not your neighbors, not your partner, not yourself - will fault you for staying on the established path. We endure marginal profits, unsatisfying relationships, sub-optimal yields, dysfunctional organizational structures, and marginal results year after year not because empirical evidence says we should, but because it's safe.
The lack of a decision is still a decision, it's just not a conscious choice.
If you aren't getting the results you want, it's time to start looking at what could be different. Because the default setting doesn't seem to be getting you there.